Here are a few UCCW (Ultimate Custom Clock Widget) zebra picture frames I made. Just select the image and save it to your gallary. To set it create the widget on your screen with a transparent background and 2 images. Then use one image for the pic you want to use and the other image for the frame. You can scale the size of each image and move them around so your frame sits nicely over the picture as in my screenshot.
Icons are from a theme at iPhantom